deceptive sales in its credit card unit to bernie madoff's ponzi scheme to the criminal manipulation of energy markets and the bribing of chinese officials. nor is jpmorgan chase the only culprit under scrutiny. bank of america was found guilty just this week of civil fraud, and eight other banks are being investigated by the government for mortgage fraud. no wonder wall street's camp followers at "fox news," "the wall street journal," cnbc and other cheerleaders have ganged up to whitewash the banks. this could be the biggest egg yet across the smug face of unfettered, unchecked, unaccountable capitalism. let's sort this out with someone who covers wall street without fear, favor or flaming headlines. gretchen morgenson has been called "the most important financial journalist of her generation." she won the pulitzer prize for her tough journalism and her "fair game" column for "the new york times" combines old fashioned, shoe leather reporting with hard-won knowledge to help the rest of us understand finance both high and low. i recommend her most recent book, written with joshua rosner, "rec